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New York Mortgage
FHA Limits for New York Home Loan Options
New York homeowners will benefit from high FHA loan limits. New York mortgage loans can be taken out for refinance or purchase with loan amounts up to $625,500 in specific high cost areas. Nationwide continues to provide Americans homeowners with cost effective home loans. Refinancing your home has never been easier with cash out refinance loans available from 85 to 95% for qualified New York homeowners.
HUD maintained the New York mortgage maximum limits for 2010 and the home loan changes can be seen below by county. New York home loan guidelines may vary based credit, loan to value and borrower income to debt ratios.
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FHA Limits for New York Mortgage Loans by County
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MSA Name |
County Name |
State |
One-Family |
Two-Family |
Three-Family |
ALBANY-SCHENECTADY-TROY, NY (MSA) |
ALBANY |
NY |
$292,100 |
$373,950 |
$452,000 |
NON-METRO |
ALLEGANY |
NY |
$271,050 |
$347,000 |
$419,425 |
NEW YORK-WHITE PLAINS-WAYNE, NY-NJ |
BRONX |
NY |
$625,500 |
$800,775 |
$967,950 |
BINGHAMTON, NY (MSA) |
BROOME |
NY |
$271,050 |
$347,000 |
$419,425 |
OLEAN, NY (MICRO) |
CATTARAUGUS |
NY |
$271,050 |
$347,000 |
$419,425 |
AUBURN, NY (MICRO) |
CAYUGA |
NY |
$271,050 |
$347,000 |
$419,425 |
JAMESTOWN-DUNKIRK-FREDONIA, NY (MICRO) |
CHAUTAUQUA |
NY |
$271,050 |
$347,000 |
$419,425 |
ELMIRA, NY (MSA) |
CHEMUNG |
NY |
$271,050 |
$347,000 |
$419,425 |
NON-METRO |
CHENANGO |
NY |
$271,050 |
$347,000 |
$419,425 |
PLATTSBURGH, NY |
CLINTON |
NY |
$271,050 |
$347,000 |
$419,425 |
HUDSON, NY (MICRO) |
COLUMBIA |
NY |
$271,050 |
$347,000 |
$419,425 |
CORTLAND, NY (MICRO) |
CORTLAND |
NY |
$271,050 |
$347,000 |
$419,425 |
NON-METRO |
DELAWARE |
NY |
$271,050 |
$347,000 |
$419,425 |
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (MSA) |
DUTCHESS |
NY |
$356,500 |
$456,350 |
$551,650 |
BUFFALO-NIAGARA FALLS, NY (MSA) |
ERIE |
NY |
$271,050 |
$347,000 |
$419,425 |
NON-METRO |
ESSEX |
NY |
$271,050 |
$347,000 |
$419,425 |
MALONE, NY |
FRANKLIN |
NY |
$271,050 |
$347,000 |
$419,425 |
GLOVERSVILLE, NY |
FULTON |
NY |
$271,050 |
$347,000 |
$419,425 |
BATAVIA, NY (MICRO) |
GENESEE |
NY |
$271,050 |
$347,000 |
$419,425 |
NON-METRO |
GREENE |
NY |
$271,050 |
$347,000 |
$419,425 |
NON-METRO |
HAMILTON |
NY |
$271,050 |
$347,000 |
$419,425 |
New York mortgage rates may vary depending upon lock date, down-payment (and/or ) home equity, loan to value, credit score and debt ratios.
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